Wijaya, Monalisa (2024) Kekuatan surat kuasa membebankan hak tanggungan dalam perjanjian kredit perbankan. Bachelor thesis, Universitas Pelita Harapan.
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Abstract
Penelitian ini dilakukan bertujuan untuk mengetahui kepastian hukum dalam pembuatan
Surat Kuasa Membebankan Hak Tanggungan (SKMHT) pada Bank Syariah Indonesia
Ahmad Yani Medan, dan juga untuk mengetahui bagaimana pelaksanaan pembuatan
Surat Kuasa Membebankan Hak Tanggungan yang diikutinya kewajiban membuat Akta
Pemberian Hak Tanggungan pada BSI Medan Ahmad Yani. Penelitian ini menggunakan
metode penelitian hukum normatif empiris. Pendekatan ini mengabungkan antara
normatif yuridis dan yuridis empiris. Metode penelitian normatif yuridis yang dilakukan
adalah dengan mengkaji hukum dari beberapa aspek seperti teori, filosopi,
perbandingan, struktur/komposisi, konstitensi, penjelasan umum, dan penjelasan pada
tiap pasal, formalitas dan kekuatan mengikat suatu Undang – Undang, dan yuridis
empiris adalah penelitian yang mempunyai objek kajian mengenai perilaku masyarakat
yang muncul karena ada interaksi dengan sistem norma yang ada. Jenis data yang
digunakan adalah data primer dan data sekunder dengan teknik pengumpulan data
library research dan penelitian lapangan dengan melakukan wawancara. Hasil dari
penelitian skripsi ini adalah yang pertama pembebanan hak tanggungan yang dilakukan
oleh debitor Bank BSI karena ada situasi khusus sehingga debitor tidak bisa hadir secara
langsung dihadapan Notaris/PPAT sehingga menggunakan SKMHT, Notaris atau
PPAT yang bersangkutan harus memastikan bahwa pemberi hak tanggungan memiliki
kewenangan untuk melakukan perbuatan hukum terhadap objek tanggungan yang
dibebankan. Hasil penelitian yang kedua adalah pelaksanaan pembuatan SKMHT di BSI
yang melakukan verifikasi dokumen – dokumen yang diperlukan harus asli dan lengkap,
dimana prosedur SKMHT akan diserahkan kepada notaris rekanan BSI yang berperan
sebagai pejabat pembuat akta yang lalu SKMHT tersebut akan ditingkatkan menjadi
Akta Pemberian Hak Tanggungan (APHT) oleh PPAT, sehingga inilah alasan
diperlukan SKMHT saat debitor yang tidak bisa hadir di hadapan PPAT secara langsung
dalam pembuatan APHT, dengan adanya SKMHT yang diikuti oleh APHT perjanjian
kredit pun dapat berlanjut. / This research was carried out with the aim of finding out legal certainty in making a
Power of Attorney to Charge Mortgage Rights at Bank Syariah Indonesia Ahmad Yani
Medan, and also to find out how the implementation of making a Power of Attorney to
Charge Mortgage Rights followed by the obligation to make a Deed of Granting
Mortgage Rights at BSI Medan Ahmad Yani. This study uses the empirical normative
legal research method. This approach combines normative juridical and empirical
juridical. The normative juridical research method used is to study the law from several
aspects such as theory, philosophy, comparison, structure/composition, consistency,
general explanation, and explanation in each article, formality and binding force of a
Law, and empirical juridical is a study that has an object of study regarding community
behavior that arises because of interaction with the existing norm system. The types of
data used are primary data and secondary data with library research data collection
techniques and field research by conducting interviews. The results of this thesis research
are the first is the imposition of mortgage rights carried out by BSI Bank debtors because
there is a special situation so that the debtor cannot be present in person before the
Notary/PPAT so that using SKMHT, the Notary or PPAT concerned must ensure that the
grantor of the mortgage has the authority to carry out legal actions against the object of
the mortgage that is charged. The second research result is the implementation of the
making of SKMHT at BSI which verifies the required documents must be original and
complete, where the SKMHT procedure will be submitted to the BSI partner notary who
acts as the official making the deed and then the SKMHT will be upgraded to a Deed of
Granting of Mortgage Rights (APHT) by PPAT, so this is the reason why SKMHT is
needed when the debtor cannot be present before the PPAT directly in making APHT,
with the existence of SKMHT followed by APHT the credit agreement can continue.
Item Type: | Thesis (Bachelor) |
---|---|
Creators: | Creators NIM Email ORCID Wijaya, Monalisa NIM03051200015 monalisa.wijaya02@gmail.com UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sitorus, Rolib NIDN0901016806 rolib.sitorus@uph.edu |
Uncontrolled Keywords: | Hak Tanggungan; Jaminan; Perbankan; Kredit; Bank Syariah Indonesia |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Medan > Faculty of Law > 74201 - Department of Law Current > Faculty/School - UPH Medan > Faculty of Law > 74201 - Department of Law |
Depositing User: | Monalisa Wijaya |
Date Deposited: | 20 Feb 2025 05:20 |
Last Modified: | 20 Feb 2025 05:20 |
URI: | http://repository.uph.edu/id/eprint/67119 |